If like 33% of the respondents to the survey you find you need to use credit to fund Christmas, then it would be wise to consider whether you’re over stretching your finances.

You can create your own budget to gauge were your spending most money and need to cut back, or seek help from charities such as StepChange who can help look at your debts to reduce some of your Christmas stresses, and hopefully enable a more manageable Christmas in the future.